determinants of access to mortgage finance. It also examines whether mortgage holders were more likely to suffer financial distress … compared with non-mortgage holders in the period before the global financial crisis. The analysis does not find any systematic … evidence that mortgage holders are financially more vulnerable than renters or outright owners; in fact, the incidence of …

towards mortgage indebtedness. We find that a given debt burden creates much higher distress in countries with fewer mortgage … holders relative to countries where a significant part of households uses mortgage debt. This effect is net of ppp …

This study analyzes the effects of state bankruptcy asset exemptions and foreclosure laws on mortgage default and … foreclosure rates across different segments of the mortgage market. We found that the effects of these legal provisions are larger … risky segments of the mortgage market, which are those that have been most affected by the continuing housing slump in the …

Mortgages constitute the largest part of household debt. An essential choice when taking out a mortgage is between …-country study has analyzed what determines household demand for mortgage types, a task that this paper takes up using new data for … exercise to identify how the easing of monetary policy during the financial crisis affected mortgage holders. It shows that the …

We evaluate the impact of mortgage regulation on credit volumes, household balance sheets and the reaction to adverse … information from official tax records, we identify causal effects of mortgage loan-to-value (LTV) limits. Our results show that …